Hard Money Loans in Dayton, OH
Find lenders offering hard money loans in the Dayton, including Kettering, Beavercreek, Springfield, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Which Hard Money lenders serve Dayton?
15 lenders offering hard money loans in the Dayton, OH area.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
What does the Dayton commercial real estate market look like?
Dayton's CRE market is heavily influenced by Wright-Patterson Air Force Base, the largest single-site employer in Ohio with over 30,000 military and civilian personnel, which anchors a defense and aerospace technology ecosystem in the surrounding Fairborn and Beavercreek submarkets. The base's Air Force Research Laboratory generates demand for secure office space, R&D facilities, and defense contractor offices, particularly along the Colonel Glenn Highway corridor near Wright State University. Downtown Dayton has experienced modest revitalization around the Dayton Arcade redevelopment and the Water Street District along the Great Miami River, though office vacancy in the CBD remains above the state average. The I-70/I-75 interchange area remains a significant logistics and distribution node, benefiting from Dayton's central Ohio location and access to over 60% of the U.S. population within a day's drive.
Key Economic Drivers
- ●Wright-Patterson Air Force Base and Air Force Research Laboratory driving defense contractor and R&D space demand
- ●Premier Health and Kettering Health Network medical systems generating healthcare CRE demand across the metro
- ●Wright State University research programs feeding the defense technology tenant pipeline
- ●I-70/I-75 interchange logistics positioning supporting industrial and distribution facility demand
Market Insight
Wright-Patterson Air Force Base contributes an estimated $4.9 billion annually to the Dayton regional economy, and the base's ongoing modernization programs ensure sustained demand for off-base contractor office space and secure facilities in the Fairborn-Beavercreek corridor.
How do hard money loans work in Dayton, Ohio?
Hard money loans are short-term, asset-based real estate loans used when speed and collateral matter more than full bank underwriting. They are common for fix-and-flip projects, distressed acquisitions, and short bridge periods before a sale or refinance. In the Dayton metro area, borrowers can access 15 lenders offering Hard Money financing, including Kettering, Beavercreek, Springfield, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 9% - 12%+.
Who should consider hard money loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Auction or deadline-driven closings
- Short bridge periods before sale or refinance
What are the key requirements?
- Property or ARV support (often capped near 70-75%)
- Clear exit plan
- Cash for down payment, fees, and overruns
- Appraisal or valuation review
Advantages
- ✓Fast closings
- ✓Interest-only payments are common
- ✓Rehab funding is available on many deals
- ✓More flexible than bank underwriting
Considerations
- •Higher rates and points than bank or DSCR debt
- •Short terms with real refinance pressure
- •Property type and rural limits are common
- •Extension and draw fees can add up fast
Hard Money Loans in Dayton FAQ
How many Hard Money lenders serve Dayton, OH? ▼
What are Hard Money loan rates in Dayton? ▼
Is hard money the same as a bridge loan? ▼
Can I get a hard money loan with bad credit? ▼
Where else can I find hard money loans in Ohio?
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